For home contents policies, please also read our Key Facts Sheet (KFS) which sets out some of the events/risks covered and not covered by our home contents policies and other information you should consider. These sheets do not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policies. For NSW residents, see changes to the Emergency Services Levy. To help you make an informed choice on insurance visit the Australian Government website: www.moneysmart.gov.au